What is the loan amount of Chengdu provident fund? How to calculate the monthly loan amount paid into 800 yuan Provident Fund?
Generally, you can apply for provident fund loans when buying a house. How much can you borrow? Let's get to know each other.
1. What is the amount of provident fund loan in Chengdu?
(1) Apply for provident fund loan for the first time to buy a first-hand house. The maximum loan ratio is 80% of the total housing price, the monthly contribution of unilateral employee provident fund is below 50% in 800 yuan (including unit subsidy, the same below), and the monthly contribution of unilateral employee provident fund is above 80% in 800 yuan (inclusive);
(2) For those who do not apply for provident fund loans for the first time, the maximum loan ratio is 70% of the total housing price (but for those who buy a first-hand house below 90 square meters, the maximum loan ratio is still 80% of the total housing price), and the monthly contribution of unilateral employee provident fund is 50% below 800 yuan;
(3) 70% of the monthly deposit of a single employee in 800 yuan (inclusive) (but the maximum loan ratio is still 80% of the total house price when purchasing a first-hand house below 90 square meters).
What is the annual interest rate of Chengdu provident fund loan?
The interest rate of provident fund loans is determined by the People's Bank of China. The current interest rate 1-5 years (including 5 years) is 3.33%, and 3.87% for more than 5 years. In case of interest rate adjustment during the repayment period, the new interest rate shall be determined according to the corresponding interest rate grade from 1 of the following year. After the adjustment, the monthly repayment amount will change. Please pay attention to the balance payable in the repayment account.
Chengdu provident fund loan conditions
(1) employees with permanent residence or valid residence identification in the local area;
(2) At the time of application, the housing provident fund has been paid normally for more than 1 year, and the provident fund has not been withdrawn to pay the down payment for house purchase, and there is no balance of provident fund loans;
(3) There is a contract or agreement for the purchase of housing, and the down payment amount is not less than 30% of the value of the purchased housing;
(4) Having relatively stable professional and economic income, having corresponding loan repayment ability and good personal credit;
(five) there are assets recognized by the provident fund center as collateral or pledge, or units with sufficient compensation capacity as guarantors.
What is the loan amount of Chengdu housing provident fund?
Legal analysis: The loan amount of Chengdu Provident Fund is also calculated according to the regulations of the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China. According to the loan amount calculated by the maximum loan amount, if I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan.
Legal basis: Regulations on the Management of Housing Provident Fund
Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.
How much can Chengdu provident fund borrow at most?
The maximum loan is 700,000.
The maximum amount of provident fund loans in Chengdu is 700,000 yuan for two or more employees who meet the loan conditions and 400,000 yuan for a single employee. Loan amount = (balance of the borrower's provident fund deposit and the applicant's provident fund deposit) ××× deposit time coefficient× 20 times.
If the continuous normal deposit time is less than 12 months, the deposit time coefficient is 0.5; If the continuous normal deposit time is 12 months to 24 months, the deposit time coefficient is 0.9; If the continuous normal deposit time exceeds 24 months, the deposit time coefficient is 1. For two or more loan applicants who meet the loan conditions, the deposit time coefficient can be determined according to the party with a long continuous normal deposit time.
Loan term: calculated as a whole year, the shortest is 1 year, and the longest is 30 years. The maturity date of the loan shall not exceed 5 years after the statutory retirement time of the loan applicant, that is, men are under 65 years old and women are under 60 years old (female cadres and female professional technicians with senior titles are under 65 years old). Two or more loan applicants who meet the loan conditions may determine the loan term according to a longer term.
To apply for a second-hand housing loan, the loan term plus the building age of the purchased house shall not exceed 30 years. The construction life of the purchased house shall be based on the service life confirmed in the housing information summary table issued by the local housing management department or the evaluation report issued by the evaluation agency.
Down payment ratio and interest rate:
(a) the implementation of the first home provident fund loan policy, the down payment ratio of not less than 30%; If the second-home provident fund loan policy is implemented, the down payment ratio shall not be less than 40%.
(2) If the purchased re-traded house is over 10, the minimum down payment ratio will be correspondingly increased by 10%.
(three) the implementation of the first home provident fund loan policy, the loan interest rate is the statutory provident fund loan interest rate for the same period;
(4) If the second set of housing provident fund loan policy is implemented, the loan interest rate is 1. 1 times of the first set of housing provident fund loan interest rate in the same period.
The monthly repayment amount of the loan applicant to repay the housing loan shall not be higher than 50% of the monthly income.
The above contents refer to the Sichuan Provincial People's Government Network-attention! From March 15, the personal loan of Chengdu Provident Fund will be implemented.
Chengdu provident fund loan amount
The single maximum amount in Chengdu is: 800,000 yuan for the first suite of dual employees, 700,000 yuan for the second suite of dual employees and 400,000 yuan for a single employee.
Determinants of the amount of provident fund loans
The loanable amount of provident fund loans is determined by Chengdu Provident Fund Center according to the maximum amount of provident fund loans, the calculation formula of loan amount, the remaining house price after deducting the down payment, the proportion of repayment income and credit status. , after comprehensive evaluation of the actual situation of the loan applicant, take the lowest value:
Specific as follows
(1) Maximum amount of provident fund loan where the house is purchased.
1. Chengdu: For families with two or more employees who meet the loan conditions, the maximum amount of the first housing provident fund loan is 800,000 yuan, and the maximum amount of the second housing provident fund loan is 700,000 yuan.
The maximum amount of provident fund loans is 400,000 yuan for single-family housing that meets the loan conditions to purchase the first or second home.
2. The same urban area:
Deyang: 600,000 yuan for dual-employee families; Single worker family 400 thousand yuan.
Meishan: 500,000 yuan for dual-employee families; Single worker family 400 thousand yuan.
Ziyang: 600,000 yuan for dual-employee families; Single worker family 400 thousand yuan.
If the maximum amount of provident fund loans at the place where the house is purchased is adjusted, it shall be implemented according to the latest regulations.
(2) Calculation formula of loan amount
1. depositor's loan amount = ∑ (monthly paid provident fund × corresponding storage months × loan-to-deposit ratio coefficient)
2. After adding up the loan quotas of all borrowers who meet the conditions of provident fund loans for each loan, the loan quota of this provident fund loan can be obtained.
3. Please log in to Chengdu Provident Fund APP and Tianfu Citizen Cloud for the trial results of my loan line. , or consult Chengdu Provident Fund Center and loan bank.
You can also click: Chengdu Provident Fund Loan Calculator (Calculation of Repayment Loan Amount)
Calculation formula of loan amount (note: the maximum amount of the first suite for dual employees in the following example is 800,000)
(1) Loan amount paid to employees = ∑ (monthly paid-in provident fund × corresponding storage months × deposit and loan coefficient) The loan amount of each paid-in employee is calculated in monthly installments, and each paid-in provident fund corresponds to a loan amount.